3.261
Revenue€B
5.041
5.400
5.600
6.016
6.504
6.985
7.509
7.987
8.439
8.788
3.637
6.20%
6.35%
43
27.09
Revenue growth%
26.10
27.97
25.61
23.67
22.02
19.98
22.07
20.77
17.93
20.69
24.00
20.69
22.04
54
4.27
Combined R.%
83.75
83.59
83.95
83.66
84.62
85.76
85.45
83.81
84.16
83.87
7.04
84.16
83.91
55
8.62
Operating margin%
23.17
23.17
26.09
28.17
26.12
23.68
22.51
21.53
18.75
18.43
20.49
21.53
23.17
35
9.15
Net margin%
11.00
9.10
10.42
10.25
10.04
11.73
11.55
9.81
8.60
8.14
17.51
9.81
10.15
56
20.05
P/E ratio (avg)x
9.888
9.221
9.065
8.861
8.810
10.07
9.333
8.611
8.964
9.274
11.65
9.274
9.143
7
28.99
P/TBVx
44.69
45.84
45.36
42.95
39.66
41.64
40.39
39.44
38.82
36.11
35.66
39.44
41.01
72
7.218
P/Bx
24.51
27.37
30.05
34.78
35.14
35.24
37.84
38.45
45.12
49.67
14.87
38.45
35.19
12
21.57
Prem. grth%
22.07
20.35
18.83
21.68
20.47
20.08
22.30
21.98
24.19
23.70
14.09
22.30
21.83
19
29.85
Invest. yld%
10.90
9.89
9.67
10.82
9.77
9.39
9.77
8.54
8.67
10.92
2.03
9.39
9.77
63
7.56
BVPS grth%
1.78
3.02
4.19
3.00
2.51
1.98
3.91
2.81
2.93
2.49
16.56
2.81
2.87
41
8.92
Return on equity%
13.77
13.70
12.75
14.08
14.45
17.00
14.00
15.69
14.52
11.73
14.30
14.52
14.04
92
16.60
Return on assets%
14.38
16.49
14.46
14.46
12.04
12.81
11.98
12.66
13.51
16.03
4.54
12.81
13.95
49
10.84
EPS€
14.10
14.28
13.62
13.12
14.54
13.22
12.12
12.32
12.31
12.10
12.10
(3.61%)
(2.44%)
—
25.38
EPS growth%
18.74
15.91
15.01
15.02
14.11
11.18
8.96
9.96
12.29
12.92
10.83
11.18
13.52
93
5.54
Bookvalue per sh€
2.11
2.11
1.95
2.18
2.12
2.26
2.45
2.40
2.55
2.48
11.39
3.11%
1.20%
—
8.35
TBV/sh€
13.59
15.04
15.73
15.83
16.53
17.24
17.21
18.73
21.13
24.59
4.83
8.26%
7.20%
—
8.96
Dividend per sh€
8.11
8.86
8.96
9.25
9.74
10.23
9.04
9.36
9.79
10.09
9.16
0.69%
2.32%
—
28.99
Div yield (avg)%
22.23
22.36
24.44
23.02
20.89
22.88
23.57
20.94
19.78
18.42
20.81
20.94
22.29
42
19.38
Payout ratio%
2.63
0.41
2.14
2.53
5.07
4.95
7.34
7.80
6.09
3.43
20.91
6.09
4.19
87
266.4
Shares (diluted)M
385.3
369.3
426.6
439.8
423.8
408.1
471.6
484.5
451.7
472.5
263.4
2.20%
3.50%
38
22.71
Buyback yield%
16.85
17.17
15.06
17.50
15.19
13.00
13.36
13.54
12.31
10.34
26.07
13.00
14.30
6
0.846
D/E ratiox
1.344
1.406
1.301
1.327
1.248
1.103
1.211
1.137
1.199
1.293
1.493
1.199
1.271
77
6.326
Assets€B
15.16
16.87
18.22
19.41
21.08
23.36
24.30
25.95
28.41
32.09
5.532
8.76%
8.57%
72
2.201
LT debt€B
5.852
5.975
6.490
6.516
7.388
7.280
8.093
8.701
8.965
10.09
0.681
6.43%
5.43%
22
Revenue
€8.788B
6.35%
1.00×
Claims and benefits
€4.573B
6.53%
1.02×
Total costs
€6.806B
6.27%
0.99×